Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provide various banking products and services for individuals and businesses. The company accepts checking, saving, money market, NOW, individual retirement, and club accounts; and insured cash sweep and CDARS, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit. In addition, the company provides debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile banking, telephone banking, direct deposits, merchant card, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, safe deposit box, and money transfer services. Further, it offers sells life and accident coverage insurance products. The company was incorporated in 1984 and is based in Petersburg, West Virginia.